What do you think?

[Anonymous]

My scores are still hanging around in the low 600's right now. But I think I may have had some luck with a GW letter- I think I may get lucky and have 5 of my 10 delinquency payments removed. I've also brought my utility ratio down from around 90% to about 35%. In doing this, do you think I will make the necessary jump to over 620? I'm trying to buy a house! Thanks!

[RobertEG]

What are the remaining delinquencies?  Are they major (90+, COs or CAs)?

% util is important, but only about two months before you app for new credit, as % util has no historic memory.

Major derogs can hit for up to 30-40 pts, and decay very slowly.

What are the derogs?  You need to attack them.

[Anonymous]

The ones that are possibly being removed are 3 thirty-day delinquencies and 2 sixty-day delinquencies from 2 years ago. The rest are 3 thirty's from 2 years ago and 2 30's from last year. And I will be applying for a mortgage hopefully next month.